The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$77,026
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,422
−HK$2,434/mo
Today · 4.125%
HK$81,856
baseline
▲ 0.50% · 4.625%
HK$86,837
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,712/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,690
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,988
−HK$2,332/mo
Today · 4.125%
HK$90,320
baseline
▲ 0.50% · 4.625%
HK$95,081
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,640/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,431
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,306
−HK$2,921/mo
Today · 4.125%
HK$98,227
baseline
▲ 0.50% · 4.625%
HK$104,204
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,454/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,828
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,586
−HK$2,798/mo
Today · 4.125%
HK$108,384
baseline
▲ 0.50% · 4.625%
HK$114,097
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,768/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,836
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,190
−HK$3,408/mo
Today · 4.125%
HK$114,598
baseline
▲ 0.50% · 4.625%
HK$121,571
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$229,196/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,966
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,184
−HK$3,264/mo
Today · 4.125%
HK$126,448
baseline
▲ 0.50% · 4.625%
HK$133,113
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$252,896/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,646
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,959
−HK$4,381/mo
Today · 4.125%
HK$147,340
baseline
▲ 0.50% · 4.625%
HK$156,306
+HK$8,966/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,680/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,242
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,379
−HK$4,197/mo
Today · 4.125%
HK$162,576
baseline
▲ 0.50% · 4.625%
HK$171,145
+HK$8,569/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,152/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,624 · Scale 2, in force from 26 Feb 2026)